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Stillwater Area Hospital Prices

Cash and insurance-negotiated prices at hospitals in and around Stillwater, OK. Part of all Oklahoma hospital prices.

Pillar 1 · The BaseRate™ CompositeHow 1.00× Fair BaseRate Works: Raw price averages unfairly penalize hospitals in high-wage cities or trauma centers treating sicker patients. We adjust for local CMS hospital wage levels and patient complexity first. A 1.00× score means right at the fair price average, 0.85× means 15% cheaper than fair market, and 1.30× means 30% above fair market.High Markup · Shop Alternatives
1.91×vs. Fair Market Price
Position vs. 1.00× Fair Price+91% Above Fair Price 1.00× (center of the bar) is the U.S. fair price average after accounting for local hospital wages and patient complexity. Left of center (<1.00×) is below fair price; right of center (>1.00×) is above fair price.

Typical commercial prices here are +91% above the fair benchmark (1.91×) even after accounting for local nurse/doctor wages and patient complexity.

Pillar 2 · VeriRate™ Data TrustHow VeriRate™ (0–100) Works: Hospitals are legally required to publish machine-readable price files, but some bury fake $0.01 numbers or omit cash discounts. VeriRate audits each file across 5 checks (hover any badge below to see what it tests).86/100 · Verified
86/100Hover Any Check Below to See How Prices Were Audited
File Completeness90Provenance (File Completeness): Checks whether the hospital published a complete, up-to-date machine-readable price file with valid CPT and MS-DRG billing codes instead of leaving blanks.
Price Logic88Coherence (Price Logic): Checks whether the hospital’s numbers make basic sense — e.g., self-pay cash price is lower than gross list price, with no fake $0.01 or $999,999 placeholder numbers.
Peer Alignment86Concordance (Peer Alignment): Checks whether reported prices sit in a realistic range compared to Medicare and nearby hospitals rather than wild 100× unit errors.
Clean Billing83Regularity (Clean Billing): Checks whether rates are structured consistently across procedures without erratic statistical spikes or hidden unbundled facility fees.
Real Cash Discount84Cash Honesty (Real Cash Discount): Checks whether the hospital offers a genuine self-pay cash discount that beats or matches commercial insurance rates instead of billing full sticker price.
Pillar 3 · Oklahoma Market & Best ValueSummarizes statewide hospital price coverage across Oklahoma, the average commercial markup over federal Medicare rates, and the #1 best-value hospital in the state.2 Hospitals Mapped
Hospitals Priced2 in OKTotal hospitals in Oklahoma with verified machine-readable price disclosures indexed in the Crystal.
Avg vs. Medicare1.4× MedicareAverage commercial insurance negotiated rate across Oklahoma hospitals compared to what federal Medicare pays for the same procedure.
Best Value in OK1.91× FairLowest confounder-adjusted hospital in Oklahoma: Stillwater Medical Center (Stillwater) at 1.91× fair market price.

Most affordable Oklahoma hospital: Stillwater Medical Center (Stillwater) at 1.91× the fair price (1% below benchmark).

Behavioral Pricing FingerprintHigh-HHI Market Leverage

Consolidated System Premium Pricer

Operating in a concentrated regional market (CBSA HHI 8,182), Stillwater Medical Center commands a 1.91× BaseRate commercial premium across insurers. Self-pay cash quotes, in-state peer hospitals, and freestanding outpatient facilities offer critical leverage against consolidated system pricing.

#68 of 81 in OK · 82nd State Percentile#3,033 of 3,385 in U.S. · 89th National Percentile
Advantage

Where They're Good (Patient & Payer Edge)

  • Bottom-quartile procedures (Q25) price at 1.56× the peer BaseRate benchmark
  • Self-pay cash beats commercial insurance on 33% of shoppable procedures (97/100 Cash Honesty)
  • 4-Star CMS clinical rating with 75% patient recommendation (74/100 safety score)
  • Binding Good Faith Estimate rights under 45 CFR § 149.610 protect self-pay patients before scheduling
Watchout

Where You Can Get Burned (Markup Traps)

  • Outpatient surgery & OR suites carry a 2.6× markup over Medicare rates
  • Captive ER (3.0×) & laboratory (3.4×) services average 1.05× higher multiples than routine shoppable care (2.1×)
  • Specialty infusion drugs (J-codes) average 1.2× Medicare — verify per-unit billing on itemized statements
  • Consolidated metro market (HHI 8,182) limits in-network hospital competition (Highly Concentrated Monopoly (>2,500))
Front-Door ShoppableElective / Imaging
2.1× Medicare

Pre-scheduled outpatient procedures where patients can comparison-shop.

Back-Door Captive & ER1.05× Divergence
2.2× Medicare

Emergency, inpatient DRG, lab, and specialty drug lines billed after admission.

Quantile Tail Spread+10% Upper Tail
Q25 1.56× · Q50 1.91× · Q75 2.11×

Detects median-gaming when upper-quartile codes spike above the p50 median.

Select any lens to inspect department markups, federal cost accounting, or insurer discounts.
Department & Integrity Multiples (vs. CMS Medicare Cost Anchor) Green ≤1.3× · Teal 1.3–1.8× · Amber 1.8–2.5× · Rose >2.5×
Front-Door Shoppable CareFront-Door Shoppable
2.1× MedicareGood
Outpatient Surgery & ORBack-Door Captive
2.6× MedicareFair
Diagnostic Imaging (CT/MRI)Front-Door Shoppable
3.1× MedicareFair
Back-Door Captive ER VisitsBack-Door Captive
3.0× MedicareFair
Inpatient Lab & PathologyBack-Door Captive
3.4× MedicareElevated
Specialty & Infusion Drugs (J-Codes)Back-Door Captive
1.2× MedicareGood
Self-Pay Cash Honesty & 501(r)Integrity & Outcomes
33% Cash Edge · 97/100Good
CMS Clinical Safety & Star ValueIntegrity & Outcomes
4 CMS · 74/100Fair

Hospitals in the Stillwater area

Ranked by how their prices compare to the fair BaseRate — best value first. The × fair figure is geo-adjusted. Tap any hospital for its full price list.

Care-Setting Arbitrage, Bilateral SVD Insurer Leverage & Regional Alternatives

How to Pay Less Nearby: Freestanding Centers, Insurer Leverage & Outpatient Savings

Inpatient MS-DRG vs. Outpatient CPT Care-Setting Savings

Upper GI Endoscopy (EGD) with BiopsyDRG 392 vs CPT 43239
Inpatient: $12,499Outpatient: $2,207 Save $10,292 outpatient

Clinical Scope Note:Inpatient MS-DRG reflects a multi-day hospital admission (room, nursing, higher clinical acuity); outpatient CPT reflects the outpatient facility fee for clinically eligible low-acuity patients and excludes separate surgeon and anesthesia professional fees.

Prices are sourced from each hospital's federally-required public price file, most recently published October 2026. The BaseRate is a modeled fair-price estimate — not a bill or quote. How we build these numbers →